Driving in North Dakota comes with its own set of risks-icy highways on I-94, rural roads where deer crossings are common, and hailstorms that can leave vehicles badly damaged. At Bowerman Insurance Agency, we provide auto insurance in Steele, ND and Bismarck that keeps you protected on every trip. As an independent insurance agency, we shop multiple carriers to find the right balance of coverage and cost for your needs.
High-Risk & SR-22 Insurance
SR-22 Basics for High-Risk Drivers
If you're required to file an SR-22, you'll need proof of financial responsibility on file; not a special "SR-22 policy," but a form your insurer files to confirm you carry the required liability limits. Bowerman Insurance Agency helps drivers secure the right
auto policy and file the SR-22 quickly, so you can move toward license reinstatement and compliant driving.
Common Reasons an SR-22 Is Required
You might need high-risk auto insurance after a DUI, major violations, at-fault accidents, or a lapse in coverage. In many cases, North Dakota drivers must keep an SR-22 on file for a set period-often at least a year, longer for repeat offenses. Our team explains what to expect, helps you avoid gaps that could reset the clock, and builds a plan to maintain
continuous coverage.
Same-Day or Next-Day SR-22 Filings Available
When you're trying to get back on the road, timing matters. Bowerman Insurance Agency works with carriers that support rapid SR-22 processing-often the same day-so you can satisfy state requirements and focus on responsible driving. We'll
compare options
to balance affordability and coverage, from small-town streets to busy corridors.
Meeting Minimums-And Choosing Smarter Limits
State minimums get you compliant, but higher liability limits can better protect your finances after a serious accident. We'll walk you through bodily injury, property damage, and
uninsured/underinsured motorist coverages. If your lender requires comprehensive and collision, we'll help structure a plan that meets both lender guidelines and state filings.
Steps That Can Reduce High-Risk Costs
Keep continuous insurance, avoid new violations, and ask about defensive driving or driver education courses. Some carriers consider telematics programs that reward safe habits. As your record improves, we'll review your policy to look for better pricing and discounts.
Quick Answers for ND Drivers
How long do I need an SR-22?
It depends on your situation; many drivers must maintain it for at least one year. We'll review your requirements and help you stay compliant.
What does SR-22 insurance cost?
Costs vary by driver history and coverage choices. We'll price multiple carriers to find a fit.
Can I get full coverage with an SR-22?
Yes-if you need comprehensive and collision (often for financed vehicles), we'll build a compliant plan.